Call reports 2008
KAW VALLEY BANK — 2008
What KAW VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 466,484,000 | 469,091,000 | 455,847,000 | 431,206,000 |
| Total loans | 255,702,000 | 262,784,000 | 286,883,000 | 301,564,000 |
| Allowance for loan losses | 4,532,000 | 4,392,000 | 4,435,000 | 4,432,000 |
| Securities available for sale | 164,761,000 | 170,130,000 | 133,157,000 | 101,775,000 |
| Securities held to maturity | 2,866,000 | 2,818,000 | 2,720,000 | 2,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,855,000 | 387,405,000 | 373,302,000 | 346,238,000 |
| Interest-bearing deposits | 352,381,000 | 348,702,000 | 338,088,000 | 312,681,000 |
| Noninterest-bearing deposits | 35,475,000 | 38,703,000 | 35,214,000 | 33,557,000 |
| Equity capital | 42,210,000 | 39,719,000 | 40,128,000 | 41,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,004,000 | 13,696,000 | 20,443,000 | 26,768,000 |
| Interest expense | 4,383,000 | 8,270,000 | 12,086,000 | 15,523,000 |
| Net interest income | 2,621,000 | 5,426,000 | 8,357,000 | 11,245,000 |
| Noninterest income | 328,000 | 638,000 | 988,000 | 1,601,000 |
| Noninterest expense | 1,992,000 | 4,007,000 | 6,222,000 | 8,170,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 832,000 | 1,689,000 | 2,647,000 | 3,948,000 |
| Income tax | 162,000 | 353,000 | 504,000 | 996,000 |
| Net income | 670,000 | 1,336,000 | 2,143,000 | 2,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,268,000 | 40,761,000 | 41,393,000 | 41,744,000 |
| Total capital | 44,250,000 | 44,826,000 | 45,571,000 | 45,975,000 |
| Risk-weighted assets | 318,048,000 | 324,100,000 | 333,237,000 | 337,542,000 |